Comprehensive Report
SAMPLE PHILIPPINES CORPORATION
Delivery Date: Dec 29, 2022

Subscriber No: 716000061
Ticket Key: 202212295006080074
Reference: Sample reportI D E N T I F I C AT I O N & S U M M A R Y

RISK SUMMARY

Identification
D-U-N-S Number:

71-879-2567

Risk Evaluation

Trading Style(s):Sample Construction

Risk Indicator

Acronym:

SPC

D&B Rating

Registration No.:

A2000206274

Financial Summary

Tax Identification

123-456-789

FYE

Number(TIN):
Address:

3A3

Dec 31, 2021

Currency

Philippine Peso

24th Floor JME Building

Revenue

700,959,892

No. 8982 Ayala Avenue corner

Net Worth

161,460,225

Total Asset

323,985,418

Total Liabilities

162,525,193

Legaspi Street, Legaspi Village
Makati
1229 Manila Philippines
Telephone(s):(+63) 2 87779999

Facsimile(s):(+63) 2 88887000

E-Mail:inq@samplephilscorp.com

Website:www.samplephilscorp.com

Net Profit after Tax

Current Ratio

1.63

Quick Ratio

0.48

Profit Margin / Return on Sales
Total Debt to Net WorthType of Business:

Corporation

History:

Clear

Start:

1975

Control:

1975

Paid-up Capital:

PHP49,750,000.00

Line of Business:

General Contractors - industrial plant
construction
1629-0500
1542-0100
8711-0400
1731-0000
1711-0401

Imports:

Yes

Court Cases:

Yes

Employees:

300 Estimated (Total)

7,355,304

Financial Ratios

Return on Assets

Summary

SIC:

3

1.05%
2.27%
100.66%

Currency
All monetary amounts quoted in this report are shown in
Philippine Peso (PHP), unless otherwise stated.

Principal:

Juan Dela Cruz
Chairman

Risk Assessment
Risk Indicator3

D&B Rating

3A3

Financial Strength

3A

Based on net worth

Risk Indicator

3

Fair (Slightly greater than
average Risk - Monitor
closely)

The Dun & Bradstreet Rating of 3A3 indicates:
A Financial Strength of Philippine Peso 31,950,000 - 212,999,999 (Based on net worth) and a Risk Indicator which is Fair
(Slightly greater than average Risk - Monitor closely).

T R A D E PA Y M E N T S

D&B Paydex: UN
When weighted by value, payments to suppliers average based on payments collected over the last 24 months.

Explanation of PAYDEX
A score of 80 denotes that payments reported to D&B have generally been made within terms. Scores over 80 indicate thatpayments reported to D&B have been made earlier than terms. The chart below outlines the specific 0-100 score and what itmeans.
D&B PAYDEX®

Payment Habit

100

Anticipate

90

Discount

80

Prompt70

15 days beyond terms

60

22 days beyond terms

50

30 days beyond terms

40

60 days beyond terms

30

90 days beyond terms

20

120 days beyond terms

0-19Over 120 days beyond terms

UN

Unavailable

P U B L I C R E C O R D I N F O R M AT I O N

Court Cases
Subject has court case listing based on available D&B records from January 1983 to Dec 27, 2022
Charge Date:

Aug 31, 2011

Charge Number:

102797

Chargee:

BPI/MS INS. CORP.

Other Information:

Nature of Case: Sum of Money

Charge Date:

Jul 01, 2003

Charge Number:

49954

Chargee:

GOODYEAR STEEL PIPE

Other Information:

Nature of Case: Sum of Money

Charge Date:

Jan 26, 1999

Charge Number:

99-36594

Chargee:

C.C. JR. RENT A CAR

Other Information:

Nature of Case: Sum of Money

Charge Date:

Apr 07, 1997

Charge Number:

55050

Chargee:

PHIL. CHARTER INSURANCE CORP.

Other Information:

Nature of Case: Sum of Money

The records items above under 'Court Cases' may have been paid, vacated, settled or released prior to the date this report was
printed.

BANKS
Bank Name:

SAMPLE PHILIPPINES BANK CORPORATION

Branch:Head Office

Address:

13 N Domingo Street City Of San Juan, Manila 1500 Philippines

Information in this report may not represent the full extent of subject's bank relationships.

C U R R E N T I N V E S T I G AT I O N

Investigation Information
On Dec 27, 2022, Juan dela Cruz, President, confirmed all information in this report.
Subject Company is engaged in construction such as industrial plant, buildings, and other structures.
Upon checking in PCAB’s online site, the Subject Company was granted a Contractor’s License with Principal Classification ofGeneral Engineering and Category A under PCAB License No. 34888 and is valid until June 30, 2023.
Based on Note 1 of Audited Financial Statement 2021, the COVID-19 pandemic has affected the company operations due toquarantine measures imposed by the government.
Management still believed that it can overcome pandemic through effective cost control and with a positive equity during thesechallenging years.
In Note 17, amendment of Articles of Incorporation for the increase in Authorized Capital Stock from PHP50 million to PHP100
million with pre-emptive rights to Stockholders of records as of December 16, 2019...
... has pending from Securities and Exchange Commission office due to pandemic affected schedules.
In Note 18, the compensation of key management personnel for the year amounted of PHP2,892,000.
Registry details are from the Securities and Exchange Commission (SEC).
External auditor, Job O. Asis (No.0634-AR-1), is accredited by SEC.

HISTORY
SAMPLE PHILIPPINES CORPORATION started its operations in 1975 and was registered on Feb 21, 1975 as a Corporation.
It was registered with the Securities Exchange Commission under the registration number of A2000206274, Makati City, Metro
Manila, Philippines.

It is also trading under the TRADESTYLE(S) of Sample Construction and ACRONYM(S) of SPC.
It general contractors - industrial plant construction. An establishment of about 47 year(s), Juan Dela Cruz, Chairman, currently
heads the company.

Changes in Legal Name
Previous Name:

Philippine Sample Corporation

Change to:

Present Name

Date of Change:

Aug 08, 2008

CapitalAuthorized Capital:

PHP50,000,000.00

Issued Capital:

PHP49,750,000.00

Paid-up Capital:

PHP49,750,000.00

Ordinary Shares:

PHP49,750,000.00 at par value 100.00

Shareholders and Shareholdings
The following details represent the Full Shareholders List.
ORDINARY SHARESNameCountry

Sample Philippines Holding Corporation

Shares Held

% of Shareholders

48,750,000

97.990Juan Dela Cruz

200,000

0.402

Peter Reyes

200,000

0.402

Jess Lopez

200,000

0.402

Manuel Santos

200,000

0.402

John Cruz

200,000

0.402

Total of Shareholders:5

Shareholder as at:

Jun 01, 2022

Shareholding at:

PHP49,750,000

This information provided

search at local registry officeby:Changes in Capital
The following changes were confirmed by the local registry office.
Date of Change:

Aug 28, 1990

Capital Type:

Authorized Capital

Nature of Change:

increased

From:

PHP20,000,000.00

To:

PHP30,000,000.00

Date of Change:

Jul 14, 2000

Capital Type:

Authorized Capital

Nature of Change:

increased

From:

PHP30,000,000.00

To:

PHP50,000,000.00

L I N K AG E

ParentName:

SAMPLE PHILIPPINES HOLDING CORPORATION

DUNS:

722653045

Location:

5th Floor, Pacific Star Building, Sen. Gil Puyat Avenue Salcedo Village, City Of Makati,
Metro Manila 1227 Philippines

Holds Shares in Subject:

97.99%

Affiliates
Name:

SAMPLE PHILIPPINES BUYER CORPORATION

DUNS:

722652575

Location:

8th Floor, AVA Center Tower 3, Bonifacio Global City, City Of Taguig,Metro Manila 1634 Philippines

Subsidiaries
Name:

SAMPLE PHILIPPINES TRANSPORTATION SERVICES CORPORATION

DUNS:

722658804

Location:

3rd Floor, 20 Lansbergh Place, Tomas Morato Avenue corner Scout Castor Street, Quezon City,
Metro Manila 1100 Philippines% of Shares Owned:

Subject holds 90% of shares in Subsidiary

Name:

SAMPLE PHILIPPINES RETAIL CORPORATION

DUNS:

722658580

Location:

Eiffel Building, 8 Rue Cassini Street, Ermita, Manila,
Metro Manila 1000 Philippines% of Shares Owned:

Subject holds 100% of shares in Subsidiary

Name:

SAMPLE PHILIPPINES HOTEL AND CASINOS CORPORATION

DUNS:

722658812

Location:

SPCGC Corporate Office, Sample Hotel and Casino Manila M.H. Del Pilar corner Pedro Gil Streets,,
Malate, Manila,
Metro Manila 1003 Philippines% of Shares Owned:

Subject holds 100% of shares in Subsidiary

Name:

SAMPLE PHILIPPINES FOOD CORPORATION

DUNS:

722657848

Location:

JME Building, No. 8982 Ayala Avenue corner Legaspi Street, Legaspi Village, City Of Makati,
Metro Manila 1229 Philippines% of Shares Owned:

Subject holds 95% of shares in Subsidiary

Name:SAMPLE PHILIPPINES MEDIA CORPORATION

DUNS:

722657624

Location:24th Floor, JME Building, No. 8982 Ayala Avenue corner Legaspi Street, Legaspi Village, City Of
Makati,
Metro Manila 1229 Philippines% of Shares Owned:

Subject holds 100% of shares in Subsidiary

Branches
The principal branch location(s) are as follows:
D-U-N-S:722930690

Address:

Barangay Balagtas, Santo Tomas,
Batangas 4200 Philippines

Location Type:

OfficeGroup
Subject is a member of The Sample Group of Companies.

P R I N C I PA L S

Corporate Directors
Name:Juan Dela Cruz

Nationality:

Philippines

Name:

Jess Lopez

Nationality:

Philippines

Name:John Cruz

Nationality:

Philippines

Name:Peter Reyes

Nationality:

Philippines

Name:

Manuel Santos

Nationality:

Philippines

Executives
Name:

Juan Dela Cruz

Current Title:

Chairman

Other Current Title:

Chief Executive Officer

Founder of Subject:

Yes

Active in daily operations:

Yes

Education:

Graduated from university
Bachelor Civil Engineering

Name of Institute:

University of the Philippines, Philippines

Other Directorships:

722657848, SAMPLE PHILIPPINES FOOD CORPORATION, Philippines
Chairman
722658580, SAMPLE PHILIPPINES RETAIL CORPORATION, Philippines
Chairman
722658804, SAMPLE PHILIPPINES TRANSPORTATION SERVICES CORPORATION, Philippines
Chairman
722653045, SAMPLE PHILIPPINES HOLDING CORPORATION, Philippines
Chairman
722657624, SAMPLE PHILIPPINES MEDIA CORPORATION, Philippines
Chairman
722652575, SAMPLE PHILIPPINES BUYER CORPORATION, Philippines
Chairman
722658812, SAMPLE PHILIPPINES HOTEL AND CASINOS CORPORATION, Philippines
Chairman

Name:

Jess Lopez

Current Title:

Treasurer

Other Current Title:

Director

Founder of Subject:

Yes

Active in daily operations:

Yes

Education:

Graduated from university in 1996
Doctorate Accountancy

Name of Institute:

Polytechnic University of the Philippines, Philippines

Other Directorships:

722657624, SAMPLE PHILIPPINES MEDIA CORPORATION, Philippines
Director
722652575, SAMPLE PHILIPPINES BUYER CORPORATION, Philippines
Director
722658580, SAMPLE PHILIPPINES RETAIL CORPORATION, Philippines
Director
722657848, SAMPLE PHILIPPINES FOOD CORPORATION, Philippines
Director
722653045, SAMPLE PHILIPPINES HOLDING CORPORATION, Philippines
Director
722658812, SAMPLE PHILIPPINES HOTEL AND CASINOS CORPORATION, Philippines
Director
722658804, SAMPLE PHILIPPINES TRANSPORTATION SERVICES CORPORATION, Philippines
Director

Name:John Cruz

Current Title:

Director and Company Secretary

Founder of Subject:

Yes

Active in daily operations:

Yes

Education:

Graduated from college in 2000
Bachelor Architecture

Name of Institute:

PEP Institution College, Philippines

Other Directorships:

722658804, SAMPLE PHILIPPINES TRANSPORTATION SERVICES CORPORATION, Philippines
Director
722657848, SAMPLE PHILIPPINES FOOD CORPORATION, Philippines
Director
722652575, SAMPLE PHILIPPINES BUYER CORPORATION, Philippines
Director
722653045, SAMPLE PHILIPPINES HOLDING CORPORATION, Philippines
Director
722658580, SAMPLE PHILIPPINES RETAIL CORPORATION, Philippines
Director
722657624, SAMPLE PHILIPPINES MEDIA CORPORATION, Philippines

Director
722658812, SAMPLE PHILIPPINES HOTEL AND CASINOS CORPORATION, Philippines
Director
Name:Peter Reyes

Current Title:

Director

Founder of Subject:

Yes

Active in daily operations:

Yes

Other Directorships:

722653045, SAMPLE PHILIPPINES HOLDING CORPORATION, Philippines
Director
722657624, SAMPLE PHILIPPINES MEDIA CORPORATION, Philippines
Director
722658812, SAMPLE PHILIPPINES HOTEL AND CASINOS CORPORATION, Philippines
Director
722652575, SAMPLE PHILIPPINES BUYER CORPORATION, Philippines
Director
722658580, SAMPLE PHILIPPINES RETAIL CORPORATION, Philippines
Director
722658804, SAMPLE PHILIPPINES TRANSPORTATION SERVICES CORPORATION, Philippines
Director
722657848, SAMPLE PHILIPPINES FOOD CORPORATION, Philippines
Director

Name:

Manuel Santos

Current Title:

Director

Founder of Subject:

Yes

Active in daily operations:

Yes

Other Directorships:

722653045, SAMPLE PHILIPPINES HOLDING CORPORATION, Philippines
Director
722657624, SAMPLE PHILIPPINES MEDIA CORPORATION, Philippines
Director
722658580, SAMPLE PHILIPPINES RETAIL CORPORATION, Philippines
Director
722658804, SAMPLE PHILIPPINES TRANSPORTATION SERVICES CORPORATION, Philippines
Director
722652575, SAMPLE PHILIPPINES BUYER CORPORATION, Philippines
Director
722658812, SAMPLE PHILIPPINES HOTEL AND CASINOS CORPORATION, Philippines
Director
722657848, SAMPLE PHILIPPINES FOOD CORPORATION, Philippines
Director

Name:

Angela Reyes

Current Title:

assistant Company Secretary

Active in daily operations:Yes

O P E R AT I O N SLine of Business
General Contractors - industrial plant construction (1629-0500)
Engaged as commercial and office building contractors (1542-0100)
Engaged in construction and civil engineering (8711-0400)
Contractors - electrical work (1731-0000)

Engaged as mechanical contractor (1711-0401)

Purchases
Purchasing Territory
Local:

100%

International:

80%

Imports from

CanadaFinlandGermany
United States
Australia
Asia

Purchasing Terms
Local purchase terms:

Open Account 30 to 60 days

Import Terms:

Letter of Credit

Sales
Sales Territory
Local:

100%

Selling Terms
Local Sales Terms:

Progress Payments
Contract

Customers
Major Customers
SAMPLE PHILIPPINES VENDOR CORPORATION
Philippines
SAMPLE PHILIPPINES TELECOMMUNICATIONS CORPORATION
Philippines

Suppliers
722656220
SAMPLE PHILIPPINES ELECTRIC CORPORATION
Philippines
722657913
SAMPLE PHILIPPINES DEVELOPER CORPORATION
Philippines

Payments Reported(Amounts may be rounded to nearest figure in prescribed ranges)
DUNS:

722656220

Date:

Dec 27, 2022

Payment record:

PromptCurrency:

Philippine Peso

Payment Terms:

30 days

DUNS:

722657913

Date:

Dec 27, 2022

Payment record:

PromptCurrency:

Philippine Peso

Payment Terms:

60 days

Last Sale:

1 month

Employees
Employee(s) - Current
Total Employees:

300 Estimated

ISO Certificate / Tax Incentives
ISO Certification
Subject was awarded:

ISO 9001:2008 on Feb 15, 2016

L O C AT I O NCurrent Location
Size of premise:

500 square meter(s)Type of Occupation:

Owned

Location:Central business district

Premises used as:

Administrative office

Registered Address
24th Floor JME Building, No. 8982 Ayala Avenue corner Legaspi Street, Legaspi Village
Makati
1229 Manila Philippines

Former Address
20th Floor, JME Building
No. 8982 Ayala Avenue corner Legaspi Street, Legaspi Village
Makati
1229 Manila, Philippines

F I N A N C I A L I N F O R M AT I O NComparatives
Particulars

FiscalDec 31, 2019
PHP

FiscalDec 31, 2020
PHP

FiscalDec 31, 2021
PHP

Current Assets

270,163,070

269,639,987

251,226,103

Current Liabilities

156,465,771

158,914,587

154,525,193

Working Capital

113,697,299

110,725,400

96,700,910

44,955,913

61,482,291

72,759,315

Other Tangible Assets
Non-Current Liabilities

0

15,000,000

8,000,000

Tangible Net-Worth

158,653,212

157,207,691

161,460,225

Revenue

646,483,436

544,214,450

700,959,892

Profit (Loss) After Tax

31,990,088

1,560,227

7,355,304

Inventory

171,107,160

176,611,001

154,244,101

Cash & Bank

20,799,037

10,803,901

12,560,032

Accounts Receivable

76,297,616

70,634,087

62,379,721

Fixed Assets

44,955,913

61,482,291

72,759,315

Accounts Payable

75,251,445

87,983,838

91,285,866

0

0

0

Intangibles

Historical Performance: Balance Sheet

Balance Sheet
AssetsFiscalDec 31, 2019
PHP

FiscalDec 31, 2020
PHP

FiscalDec 31, 2021
PHP

Cash & Bank

20,799,037

10,803,901

12,560,032

Inventory

171,107,160

176,611,001

154,244,101

Deposit-Short Term

732,350

815,860

311,990

Accounts Receivable

76,297,616

70,634,087

62,379,721

Prepayments

789,198

476,199352,991

Deferred Taxation

437,709410,811148,160

Other Current Assets

09,888,128

21,229,108

Total Current Assets

270,163,070

269,639,987

251,226,103

Plant & Equipment

41,056,716

58,016,339

64,735,128

Buildings & Buildings Improvem

3,899,197

3,465,952

8,024,187

Total Fixed Assets

44,955,913

61,482,291

72,759,315

Total Investments

0

0

0

Total Other Assets

0

0

0

Total Intangibles

0

0

0

315,118,983

331,122,278

323,985,418

TOTAL ASSETSLiabilities
Accounts Payable

FiscalDec 31, 2019
PHP

FiscalDec 31, 2020
PHP

FiscalDec 31, 2021
PHP

75,251,445

87,983,838

91,285,866

Provision Income Tax

1,791,711

296,662

859,605

Deferred Income

76,297,615

70,634,087

62,379,722

Other Current Liabilities

3,125,000

00Total Current Liabilities

156,465,771

158,914,587

154,525,193

0

15,000,000

8,000,000

Other Non-Current Liabilities
Total Non-Current Liabilities

0

15,000,000

8,000,000

156,465,771

173,914,587

162,525,193

Capital49,750,000

49,750,000

49,750,000

Share Premium

18,000,000

18,000,000

18,000,000

Retained Earnings (Loss)

90,903,212

89,457,691

93,710,225

TOTAL EQUITY

158,653,212

157,207,691

161,460,225

TOTAL LIABILITIES & EQUITY

315,118,983

331,122,278

323,985,418

TOTAL LIABILITIESHistorical Performance: Profit & Loss

Profit & Loss
Particulars

FiscalDec 31, 201912 Month(s)PHPFiscalDec 31, 2020
12 Month(s)PHPFiscalDec 31, 2021
12 Month(s)PHP

Revenue

646,483,436

544,214,450

700,959,892

Less: Cost of Sales-544,097,584-488,303,550-622,699,747

Gross Profit (Loss)

102,385,852

55,910,900

78,260,145

Total General Expenditure-45,568,995-42,119,335-54,472,999

Net Operating Profit (Loss) Before Taxation

56,816,857

13,791,565

23,787,146

Depreciation & Interest-11,116,731-11,632,632-13,980,074

Net Profit (Loss) Before Taxation

45,700,126

2,158,933

9,807,072

Income Tax-13,710,038-598,706-2,451,768

Net Profit(Loss) after Tax

31,990,088

1,560,227

7,355,304

Net Profit (Loss) After Taxation & Extraordinary Items

31,990,088

1,560,227

7,355,304

Prior Year Adjustments-3,097,359-3,005,748-3,102,770

Plus (Minus) Retained Earnings b/forward

62,010,483

90,903,212

89,457,691

Retained Earnings (Loss) c/forward

90,903,212

89,457,691

93,710,225

Accounts are audited by Job O. Asis.
Accounts qualified by auditor: No.

Liquidity Ratios

Profitability Ratios

Debt Ratios

Efficiency Ratios

RatiosParticulars

Dec 31, 2019

Dec 31, 2020

Dec 31, 2021

Profit Margin (%)

4.95

0.29

1.05

Return on Assets (%)

10.15

0.47

2.27

Return on Net Worth (%)

20.16

0.99

4.56

PROFITABILITY RATIOSLIQUIDITY RATIOS
Current Ratio

1.73

1.70

1.63

Quick Ratio

0.62

0.51

0.48

EFFICIENCY RATIOS
Collection Period (days)
Asset to Sales (%)
Sales to Inventory (times)

42

47

32

48.74

60.84

46.22

4

3

5

28.34

39.11

45.06

Short Term Debt to Net Worth (%)

98.62

101.0995.70

Short Term Debt to Inventory (%)

91.44

89.98

100.18

Total Debt to Net Worth (%)

98.62

110.63100.66

Fixed Assets to Net Worth (%)
INDEBTEDNESS RATIOSCONCLUSION

Financial Commentary
Sales was on an uptrend, attributed to the following reasons:aggressive marketing and promotion
Net Profit trend was Up, due to the following reasons:increased revenue
Net Worth was on an uptrend, due to:increased retained earnings

NEWS
Sep 13, 2022
www.manilatimes.net
Rebuilding the PH construction industry

AFTER two tumultuous years of a slowdown in construction projects, the Philippine construction industry is making a rapid
recovery to make up for lost time.

Experiencing a record-high growth rate in 2021, bolstered by public spending on major infrastructure projects, the Philippine
construction industry is expected to continue on an uptrend in 2022.

With construction being prioritized as a pillar of economic recovery, the local government has alsoallocated 28.1 percent of its
fiscal year 2022 total budget to the Department of Public Works and Highways. The Build, Build, Build program also received a
new lease on life, with the new administration vowing to continue the country's ambitious infrastructure program.

The positive news and developments have made their rounds across the construction industry, and the optimistic outlook can
be felt from the ground up. In Procore's recently released "How We Build Now — Tracking Technology in Asia PacificConstruction" in 2022 benchmark report, about 98 percent of Filipino respondents expressed confidence about industry
conditions over the next 12 months.

The Philippines is in a unique position to lead the pack when it comes to laying a digital foundation in construction. In fact, thecountry has shown itself to be a frontrunner on the digital maturity curve. Of all five markets surveyed in the report, thePhilippines stands out for its optimism and rapid technology adoption — a winning formula for future success.

With strong governmental support, increased funding and investment into the local construction industry, there seems to be no
stopping the upward trajectory. Though, despite the bright future ahead for the Philippines construction industry, there remainsome dark clouds on the horizon.

Caution! Work in progress

High material costs and equipment, the labor shortage and an increasing number of safety incidents continue to plague theconstruction industry.

The cost of construction materials has soared to their highest level in the last 13 years. The high demand for workers remains,with nearly 6,000 construction workers falling out of work as a result of temporary closures and retrenchments following the
pandemic. This past July, a rise in the number of workplace accidents in the country also prompted the House ofRepresentatives to implement measures to criminalize violations of occupational safety and health standards.

APPENDICES

Customer Service
Should you require any further information or have any questions, please contact your local Customer Service Center.
Philippines subscribers please contact:
CRIF D-B Philippines, Inc.
7th Floor Grepalife Building, 221 Sen. Gil Puyat Avenue
Makati City 1200, Metro Manila
Philippines
Tel. No:+63 (2) 8801-9397

Email Address:

custcare.ph@crif.com

Inquiries should always contain the below minimum details:
Full Company Name
Full Headquarters Address
Telephone Number
Business Identification Number
Contact Name
Reference
Order Date
The information in this report was last updated on Dec 27, 2022

D&B Rating Glossary
The following ratings are available for businesses in Philippines:
D&B Rating - The D&B® Rating in Philippines consists of 2 parts, the Financial Strength Indicator and the Risk Indicator. The
Financial Strength Indicator is based on either Net Worth of a current balance sheet or Issued Capital. Risk Indicator is used inconjunction with the Financial Strength Indicator. The Risk Indicator reflects D&B's opinion of the risk associated with tradingwith a specific business. The table below contains the values for the D&B Rating in Philippines.

Financial Strength Indicator
Financial Strength Indicator

Range
Figures in Philippine Peso

Net WorthCapital

From

To

5A

5AA

1,065,000,000

and greater

4A

4AA

213,000,000

1,064,999,999

3A

3AA

31,950,000

212,999,999

2A

2AA

15,975,000

31,949,999

1A

1AA

7,988,000

15,974,999

AAA

4,004,000

7,987,999

BBB

2,002,000

4,003,999

CCC

1,001,000

2,001,999

DDD

511,000

1,000,999

E

EE

256,000

510,999

FFF

128,000

255,999

G

GG

65,000127,999H

HH

064,999Alternate Ratings UsedNQ

Out of Business: Business has ceased to trade

NB

New Business: Less than 24 months

O

Financial Strength is undisclosed; or Assigned to companies that do not request credit in their normal activities (Bank,
Brokerages, Insurance Co., Associations, Government, etc..)

N

Negative Net WorthFB

Foreign Branch

BR

Domestic Branch

DS

Assigned to records that require investigation before a rating can be assigned.

Risk Indicator Condition

Credit Risk

Interpretation

1

StrongMinimal risk

Proceed with transaction - offer extended terms if required

2

Good

Low Risk

Proceed with transaction

3

Fair

Slightly greater than
average risk

Proceed with transaction but monitor closely

4

LimitedSignificant level ofrisk

Review each case before extending credit and obtain more information.
Take suitable assurances before extending credit, guarantees may beneeded-Undetermined Undetermined Risk

Insufficient information to assign a Rating

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